Search found 224 matches

by worthit
Wed Aug 05, 2020 11:08 am
Forum: Personal Investments
Topic: Bill pay ended up sending the check to Pre-tax rather than HSA. How to correct this?
Replies: 7
Views: 395

Re: Bill pay ended up sending the check to Pre-tax rather than HSA. How to correct this?

thank you, all.
sycamore wrote:
Tue Aug 04, 2020 11:13 am
worthit wrote:
Tue Aug 04, 2020 10:12 am
...deposited into my pre-tax non-prototype account...
What is a non-prototype account?

https://www.fidelity.com/retirement-ira ... only-plans
by worthit
Tue Aug 04, 2020 10:12 am
Forum: Personal Investments
Topic: Bill pay ended up sending the check to Pre-tax rather than HSA. How to correct this?
Replies: 7
Views: 395

Bill pay ended up sending the check to Pre-tax rather than HSA. How to correct this?

Hello BHs, I had set up bill pay through my bank (BOFA) for a certain amount to be deposited into my HSA account with Fidelity. However, the amount has been deposited into my pre-tax non-prototype account at Fidelity with a different account #. I should have paid attention, but without thinking twic...
by worthit
Mon Aug 03, 2020 7:56 am
Forum: Personal Finance (Not Investing)
Topic: Where do I start? need a money makeover...
Replies: 31
Views: 3215

Re: Where do I start? need a money makeover...

I would attack this at 3 levels. 1. Financial - a lot of wiser folks in here have already shared some pearls of wisdom and will continue to contribute much more intelligently than I can. So I will save those suggestions. 2. Professional - Sounds like your spouse is in a highly paid specialty (or may...
by worthit
Mon Aug 03, 2020 7:29 am
Forum: Investing - Theory, News & General
Topic: Can I ask a brokerage bonus to be deposited into my Roth Account?
Replies: 2
Views: 236

Can I ask a brokerage bonus to be deposited into my Roth Account?

Hello BHs: I am expecting a bonus (for opening a taxable account) to be paid by a financial institution in a few days. I was wondering if I can have them deposit the money into my Roth account which I have with this institution (one offering the bonus $$). But I am not sure if my 2020 backdoor IRA c...
by worthit
Sun Aug 02, 2020 6:52 am
Forum: Personal Consumer Issues
Topic: Question for gardeners - What is the best herbicide to get rid of Canada Thistle? An update
Replies: 37
Views: 1614

Re: Question for gardeners - What is the best herbicide to get rid of Canada Thistle?

What is the best herbicide to get rid of Canada Thistle? ... I was hoping to avoid using glyphosate due to all the recent evidence/controversy of them being carcinogenic. But seems like that is the only reasonable option. My war on thistles has been won using Avenger. When I moved here, it was a th...
by worthit
Sat Aug 01, 2020 7:39 am
Forum: Personal Consumer Issues
Topic: Elementary school in Fall - choose Virtual or In-person
Replies: 120
Views: 8350

Re: Elementary school in Fall - choose Virtual or In-person

For parents contemplating sending their kids to school or not, I would humbly request that they google MIS-C. This hasn't received the kind of attention it deserves in the media. The press release by American Academy of Pediatrics that kids are in general immune is a joke. Very premature to conclude...
by worthit
Fri Jul 31, 2020 5:23 pm
Forum: Personal Consumer Issues
Topic: My New Car Buying Tips
Replies: 592
Views: 151377

Re: My New Car Buying Tips

yes, hudson. Lessons learned: 1. To be patient. 2. Aim to pick up the vehicle close to the end of the month as they are desperate to sell the vehicle and don't want to lose your business (in fact, thanks to you - you had reinforced this). 3. If you have Costco (or use websites like Edmunds), use the...
by worthit
Fri Jul 31, 2020 8:34 am
Forum: Personal Consumer Issues
Topic: My New Car Buying Tips
Replies: 592
Views: 151377

Re: My New Car Buying Tips

An update:

Thanks to all those who took the time to respond.

I picked up my vehicle, a Lexus-450H. 10% off MSRP. I think I could have gotten a 13% discount had I waited for a couple of days - lesson learned.

Overall, a very happy customer here.
by worthit
Fri Jul 31, 2020 7:06 am
Forum: Personal Investments
Topic: Is 25 too young for paid off house?!
Replies: 72
Views: 5144

Re: Is 25 too young for paid off house?!

Emergency Fund: 3 months of expenses. Debt: None House is Paid off (65K) Filing Status: married filing jointly Tax Rate: 12% Fedral 9% state State: Iowa Age: 25 wife 27 AA: 100/0 income 50K Right now we have roughly 82K invested between work traditional/Roth 401k and Roth's and HSA I will be invest...
by worthit
Mon Jul 27, 2020 7:10 am
Forum: Personal Consumer Issues
Topic: Question for gardeners - What is the best herbicide to get rid of Canada Thistle? An update
Replies: 37
Views: 1614

Re: Question for gardeners - What is the best herbicide to get rid of Canada Thistle?

Thank you, all. Very informative. I am going to look into each one of your valuable suggestions. By the way, just wanted to share something interesting. While researching this, I came across a glove on reddit that the user claims is the best he has ever used after trying a number of the typical ones...
by worthit
Mon Jul 27, 2020 6:51 am
Forum: Personal Finance (Not Investing)
Topic: How Much House Can I Afford - Tough Question
Replies: 12
Views: 1701

Re: How Much House Can I Afford - Tough Question

Need to look at total expenses including taxes, insurance, etc. But I’ll share some of my experiences. At 31 we bought a $645k house on my $118k income with two kids at the time. Interest only at 4%, BUT my company paid 3% of my interest rate for the first year as a COLA adjustment when I moved to ...
by worthit
Sun Jul 26, 2020 10:15 am
Forum: Personal Consumer Issues
Topic: Question for gardeners - What is the best herbicide to get rid of Canada Thistle? An update
Replies: 37
Views: 1614

Re: Question for gardeners - What is the best herbicide to get rid of Canada Thistle?

Also, I came across these 2 models for gloves on Walmart's website - these are for women but they (G&F) make similar gloves for men too. G & F Florist Pro Rose Gardening Gloves ~$13 G & F 2430M Florist Pro Long Sleeve Rose gardening Gloves, Thorn Resistant Garden Gloves, Rose Pruning Gloves ~ $18 N...
by worthit
Sun Jul 26, 2020 10:11 am
Forum: Personal Consumer Issues
Topic: Question for gardeners - What is the best herbicide to get rid of Canada Thistle? An update
Replies: 37
Views: 1614

Re: Question for gardeners - What is the best herbicide to get rid of Canada Thistle?

I am avoiding all pesticides in my front and backyard. I pull all weeds with my hands and sometimes, like with thistles with longer roots, I'll dig it out. One has to stay on top of it (I spend some time every week to pull weeds). In over 12 years I have never used a pesticide. Great thing is also ...
by worthit
Sun Jul 26, 2020 10:03 am
Forum: Personal Consumer Issues
Topic: Question for gardeners - What is the best herbicide to get rid of Canada Thistle? An update
Replies: 37
Views: 1614

Re: Question for gardeners - What is the best herbicide to get rid of Canada Thistle?

If it has an extensive root system as described in the link below, you need something to get in deep and it need to be applied at the right time of year. I was thinking of a poison ivy / brush killer; the link below recommends Speedzone, Tri-Mec, or Mecamine-D. When sprayed, they don't look like th...
by worthit
Sun Jul 26, 2020 9:59 am
Forum: Personal Consumer Issues
Topic: Question for gardeners - What is the best herbicide to get rid of Canada Thistle? An update
Replies: 37
Views: 1614

Re: Question for gardeners - What is the best herbicide to get rid of Canada Thistle?

WhyNotUs wrote:
Sun Jul 26, 2020 9:48 am
I use a high acid vinegar and manual removal once the number is manageable.
Thanks. I tried but looking to see if there are more effective, safe and lazy alternatives :D which I know doesn't exist when it comes to getting rid of these beasts.
by worthit
Sun Jul 26, 2020 9:43 am
Forum: Personal Consumer Issues
Topic: Question for gardeners - What is the best herbicide to get rid of Canada Thistle? An update
Replies: 37
Views: 1614

Re: Question for gardeners - What is the best herbicide to get rid of Canada Thistle?

Thanks all. I was hoping to avoid using glyphosate due to all the recent evidence/controversy of them being carcinogenic. But seems like that is the only reasonable option. Also, I came across these 2 models for gloves on Walmart's website - these are for women but they (G&F) make similar gloves for...
by worthit
Sun Jul 26, 2020 9:05 am
Forum: Personal Consumer Issues
Topic: Question for gardeners - What is the best herbicide to get rid of Canada Thistle? An update
Replies: 37
Views: 1614

Question for gardeners - What is the best herbicide to get rid of Canada Thistle? An update

Hello: What is the best herbicide to get rid of Canada Thistle? I would prefer something off the shelf that makes this less labor intensive. Also, any suggestions on a good asset of thorn proof gloves for men and women as we are planning to pull these creatures out of the soil? They keep appearing e...
by worthit
Sun Jul 26, 2020 8:54 am
Forum: Personal Consumer Issues
Topic: My New Car Buying Tips
Replies: 592
Views: 151377

Re: My New Car Buying Tips

Saw the post about many dealers offering the same VIN. I once had a dealer not give me a discount from a car that I wanted. I asked why and he said "I'm getting a ton of calls from other dealers about this car!" I told him that was me...he did not believe that. :? :? That's interesting. I better be...
by worthit
Sun Jul 26, 2020 12:56 am
Forum: Personal Consumer Issues
Topic: My New Car Buying Tips
Replies: 592
Views: 151377

Re: My New Car Buying Tips

Thanks Sandi_k. I did based on another member's suggestion here and agree that there is a wealth of information in that forum.
by worthit
Tue Jul 21, 2020 9:30 am
Forum: Personal Consumer Issues
Topic: LifeLock worth it?
Replies: 7
Views: 524

Re: LifeLock worth it?

Some one I know who is familiar with the inner workings of LifeLock told me to stay away from them. This was a couple of years ago when I was looking to buy into online security. It is a waste of money I was told. And I have, since then stayed away.
by worthit
Mon Jul 20, 2020 9:25 pm
Forum: Personal Finance (Not Investing)
Topic: Helping my nephew out of his rut
Replies: 74
Views: 7714

Re: Helping my nephew out of his rut

Making some progress already. After some talks with him, my nephew found a much lower interest personal loan to consolidate the credit card debt. The cc debt was actually closer to 24%, not 18%. (That's loan shark territory in my opinion, but not all that uncommon I guess. No wonder he got discoura...
by worthit
Mon Jul 20, 2020 9:51 am
Forum: Personal Finance (Not Investing)
Topic: Lexus 0% financing or $3000 cash rebate? Update with more questions
Replies: 79
Views: 5017

Re: Lexus 0% financing or $3000 cash rebate? Update with more questions

I will certainly update either way. Thanks Lessbro63 for the encouraging words.
by worthit
Mon Jul 20, 2020 8:47 am
Forum: Personal Finance (Not Investing)
Topic: Lexus 0% financing or $3000 cash rebate? Update with more questions
Replies: 79
Views: 5017

Re: Lexus 0% financing or $3000 cash rebate? Update with more questions

Thank you, Leesbro63. Very encouraging to hear your experience with the 2020 RX 350. By the way, I am excited about the Apple pay as well! Currently, the largest dealer in my area is offering a $2500 discount if I opt for the 0% financing (which is what I am leaning towards), or a $4500 discount if ...
by worthit
Mon Jul 20, 2020 8:29 am
Forum: Personal Finance (Not Investing)
Topic: Lexus 0% financing or $3000 cash rebate? Update with more questions
Replies: 79
Views: 5017

Re: Lexus 0% financing or $3000 cash rebate? Update with more questions

I don’t know where you are, but be sure to not pay sales tax on the $3000 rebate. Some states force the issue, like Ohio. Ohio taxes the difference between the selling price minus your trade in. Any rebate, even if applied to the deal, is after the “net trade” sales price. I recently bought a car i...
by worthit
Mon Jul 20, 2020 8:22 am
Forum: Personal Finance (Not Investing)
Topic: Lexus 0% financing or $3000 cash rebate? Update with more questions
Replies: 79
Views: 5017

Re: Lexus 0% financing or $3000 cash rebate? Update with more questions

Thanks I had heard about fightingchance.com before but wasn't sure if it would help me. Now that you are underscoring it, I might have to revisit perhaps using his services if I have no luck. Thanks. When I first started using the bid system, I bought his package and learned much from it. I started ...
by worthit
Sun Jul 19, 2020 9:16 am
Forum: Personal Finance (Not Investing)
Topic: Lexus 0% financing or $3000 cash rebate? Update with more questions
Replies: 79
Views: 5017

Re: Lexus 0% financing or $3000 cash rebate? Update with more questions

Thanks 8foot7. After receiving these inputs, I think it wouldn't be a bad idea to expand my geography to VA, PA, DE etc. Now the question I have is how do I calculate of factor in any additional taxes for registration etc. Perhaps I can look up on google. But wouldn't I be paying again to switch the...
by worthit
Sun Jul 19, 2020 8:58 am
Forum: Personal Finance (Not Investing)
Topic: Lexus 0% financing or $3000 cash rebate? Update with more questions
Replies: 79
Views: 5017

Re: Lexus 0% financing or $3000 cash rebate? Update with more questions

I don’t know where you are, but be sure to not pay sales tax on the $3000 rebate. Some states force the issue, like Ohio. Ohio taxes the difference between the selling price minus your trade in. Any rebate, even if applied to the deal, is after the “net trade” sales price. I recently bought a car i...
by worthit
Sun Jul 19, 2020 8:57 am
Forum: Personal Finance (Not Investing)
Topic: Lexus 0% financing or $3000 cash rebate? Update with more questions
Replies: 79
Views: 5017

Re: Lexus 0% financing or $3000 cash rebate? Update with more questions

worthit, reference: By the way it was bizarre to say the least that the 1st sales person/dealer insisted I show up in person and followed up with the same tone in his email. That's not unusual. I've been price shopping since 2000 and running the Bragg/Denovo bid system since 2007. I've found that m...
by worthit
Sat Jul 18, 2020 8:48 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 2242
Views: 385399

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Thanks MikeG62.

p.s. I like your signature :D .
by worthit
Sat Jul 18, 2020 8:45 pm
Forum: Personal Consumer Issues
Topic: My New Car Buying Tips
Replies: 592
Views: 151377

Re: My New Car Buying Tips

Saw the post about many dealers offering the same VIN. I once had a dealer not give me a discount from a car that I wanted. I asked why and he said "I'm getting a ton of calls from other dealers about this car!" I told him that was me...he did not believe that. :? :? That's interesting. I better be...
by worthit
Sat Jul 18, 2020 8:38 pm
Forum: Personal Finance (Not Investing)
Topic: Lexus 0% financing or $3000 cash rebate? Update with more questions
Replies: 79
Views: 5017

Re: Lexus 0% financing or $3000 cash rebate? Update with more questions

An update with more questions. Decided to go for the 0% financing. A. 1st dealer: Received an email after an initial phone conversation with the sales person quoting me $54,790 (plus taxes, processing fee, tag etc.) with a $2500 discount on top of the 0% financing. But he says he will not give me t...
by worthit
Sat Jul 18, 2020 6:33 pm
Forum: Personal Consumer Issues
Topic: My New Car Buying Tips
Replies: 592
Views: 151377

Re: My New Car Buying Tips

by worthit
Sat Jul 18, 2020 5:12 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 2242
Views: 385399

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

I’m in the process of getting $2,000 for $250,000 at Chase. May I ask whether you have a link or ad for this promotion? I see a $725 bonus for that investment amount of new money. https://accounts.chase.com/consumer/banking/online/chaseprivateclient How does it work from an investment perspective? ...
by worthit
Sat Jul 18, 2020 4:52 pm
Forum: Personal Consumer Issues
Topic: Retirees: How you spend your time?
Replies: 50
Views: 5078

Re: Retirees: How you spend your time?

Haven't gone through all the posts, but looks like spending time on Bogleheads has not been mentioned as one of the fun and rewarding retirement activities :D
by worthit
Sat Jul 18, 2020 4:42 pm
Forum: Personal Consumer Issues
Topic: My New Car Buying Tips
Replies: 592
Views: 151377

Re: My New Car Buying Tips

Thanks inbox788. I just updated my original posting. Hopefully, folks can help me there.
by worthit
Sat Jul 18, 2020 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: Lexus 0% financing or $3000 cash rebate? Update with more questions
Replies: 79
Views: 5017

Re: Lexus 0% financing or $3000 cash rebate? Update with more questions.

An update with more questions. Decided to go for the 0% financing. A. 1st dealer: Received an email after an initial phone conversation with the sales person quoting me $54,790 (plus taxes, processing fee, tag etc.) with a $2500 discount on top of the 0% financing. But he says he will not give me th...
by worthit
Sat Jul 18, 2020 10:52 am
Forum: Personal Consumer Issues
Topic: My New Car Buying Tips
Replies: 592
Views: 151377

Re: My New Car Buying Tips

Thanks hudson, I am looking to take advantage of the 0% financing for the 2019 and 2020 models for 60 months.
by worthit
Sat Jul 18, 2020 10:50 am
Forum: Personal Consumer Issues
Topic: Just Ordered Peloton Bike
Replies: 92
Views: 8375

Re: Just Ordered Peloton Bike

Got it as Christmas gift for my wife last December. Best purchase ever, I even lost weight. Benefit/cost ratio is excellent, not only has improved my physical health, also improves my mood, sleep and provides with great satisfaction after a particularly challenging ride. Now I use it even more than...
by worthit
Sat Jul 18, 2020 7:40 am
Forum: Personal Consumer Issues
Topic: My New Car Buying Tips
Replies: 592
Views: 151377

Re: My New Car Buying Tips

Thanks, grabiner. Hopefully I get lucky with my negotiations. This for a Lexus RX350 SUV, so not sure if there is much wiggle room for luxury vehicles.
by worthit
Fri Jul 17, 2020 8:54 pm
Forum: Personal Consumer Issues
Topic: My New Car Buying Tips
Replies: 592
Views: 151377

Re: My New Car Buying Tips

worthit, If the stock levels are high enough, you can find the same or almost the same car at different dealers. All VINs will be different. I took bids on a truck in 2012. The bids from 3 different dealers were on the SAME VIN. I learned later that the truck was at a fourth dealer 200 miles to the...
by worthit
Fri Jul 17, 2020 5:13 pm
Forum: Personal Consumer Issues
Topic: My New Car Buying Tips
Replies: 592
Views: 151377

Re: My New Car Buying Tips

I have just started my vehicle buying process and came across this helpful posting. But hoping someone can help me here. My question is below the original post. I've done this a couple of times, and wonder what you guys think. I think I have got the best deal using this process. Follow-up here. http...
by worthit
Wed Jul 15, 2020 9:00 am
Forum: Personal Finance (Not Investing)
Topic: Lexus 0% financing or $3000 cash rebate? Update with more questions
Replies: 79
Views: 5017

Re: Lexus 0% financing or $3000 cash rebate?

In my area for the RX, you can choose $3,000 cash back or 0.0% for 60 months + $1,000 cash back. When you negotiate with the dealer, the dealer will often include the cash back in their quote/offer to you, so be sure to ask for an itemized quote so that you are able to negotiate the price of the ve...
by worthit
Mon Jul 13, 2020 10:01 am
Forum: Personal Investments
Topic: Wash sale questions
Replies: 4
Views: 230

Re: Wash sale questions

Thanks lakpr and rkhusky for the confirmation. Below is an interesting tidbit I didn't know about the IRA. Thanks lakpr for pointing this out. [Disclaimer: I do NOT believe that funds in a 401k/403b plan are applicable for wash-sales, however there are people who believe that they do, so this advice...
by worthit
Mon Jul 13, 2020 9:06 am
Forum: Personal Investments
Topic: Wash sale questions
Replies: 4
Views: 230

Wash sale questions

Hello BHs: Need some confirmation. I am planning to exchange ITOT for VOO or SPY in my pre-tax account. I am pretty certain that it doesn't constitute a wash sale as this is being carried out in a 401k (pre-tax account). Also, planning to exchange VTI for VOO or SPY in my taxable account. Again, sin...
by worthit
Thu Jul 09, 2020 8:34 pm
Forum: Personal Investments
Topic: Help with Retirement and Taxable Portfolio
Replies: 17
Views: 1903

Re: Help with Retirement and Taxable Portfolio

Do you plan to stay in your house for the next 15 years? Beyond that? A paid-off house at and in retirement can be a good goal. If that is a goal for you, consider a no-cost refinancing to a 15-year mortgage at a lower rate. If the new monthly payments are more than you can cash flow, you can use s...
by worthit
Wed Jul 08, 2020 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: Lexus 0% financing or $3000 cash rebate? Update with more questions
Replies: 79
Views: 5017

Re: Lexus 0% financing or $3000 cash rebate?

Never 0% finance or you will always pay the sticker price...the dealer will not negotiate. Never pay attention to advice that says "never" or "always." :happy There are sometimes 0% finance incentives that are NOT in lieu of a cash rebate (not the case here, it's a choice of one or the other), in w...
by worthit
Wed Jul 08, 2020 1:35 pm
Forum: Personal Investments
Topic: Possible 1/3 income cut
Replies: 40
Views: 4372

Re: Possible 1/3 income cut

Keep the mortgage as long and large as possible. Make up for your lost income with lower expenses or lower savings. Flexibility and liquidity are what you need to optimize for right now. I agree with this. Presumably you are very employable at the 20-30% paycut level and that will improve over time...
by worthit
Wed Jul 08, 2020 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: Lexus 0% financing or $3000 cash rebate? Update with more questions
Replies: 79
Views: 5017

Re: Lexus 0% financing or $3000 cash rebate?

and why would you finance it for 5 years? 3 years max. especially if you drive a lot, why still be financing if the warranty runs out and costly repairs become necessary due to higher mileage issues? Thanks rossignton. To answer your question above, it is because we intend to drive it only for abou...